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Keetron posted:Buy some wd40 and dont be a cheapskate. WD40 is way overused (never use it on a gun or anything with bearings!), but rust is the right place to use WD40. Looking forward to the eventual post about having to call a friend to come unlock your bike with a drill and angle grinder because it finally rusted shut.
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Jul 25, 2014 17:00
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The dry bike lube fixed it right up. WD-40 can attract dust, which would also jam my lock.
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Jul 25, 2014 18:15
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MMM seeming rather Strawmanny these days... http://www.mrmoneymustache.com/2014/10/07/getting-rich-with-science/ Reminds me a lot of his recent article with the back-and-forth with a reader's (probably imaginary) wife.
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Oct 13, 2014 22:39
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He's finally run out of the capacity to ignore the dissenters. But I think his counter-argument stands up, and avoids the Straw Man fallacy (at least, from what I gather based on my reading about it on Wikipedia over the last few minutes). Though he's setting himself up as a potential repeat troll target if he continues on like this.
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Oct 13, 2014 23:38
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I liked his post from today, mostly because I've been thinking a bit about churning. Want to travel to Europe during Summer 2016, but financially it hurts to spend that much money. Hopefully free airline miles will reduce the pain.
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Oct 13, 2014 23:45
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I think he wrote most of the low-hanging fruit of things to write and now he's just posting to continue generating income or out of obligation. I'm fine reading his thoughts on whatever but it's no longer interesting enough to bother checking his site that often.
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Oct 14, 2014 00:06
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I thought the IndexView post was good, if only for being the best visual representation I've ever seen of the fact that the market pretty much always looks like it's rising at an unprecedented rate. It's nice to show to people who freak out when they look at, e.g., a 40 year S&P 500 chart.
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Oct 14, 2014 03:13
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Jeffrey posted:I think he wrote most of the low-hanging fruit of things to write and now he's just posting to continue generating income or out of obligation. I'm fine reading his thoughts on whatever but it's no longer interesting enough to bother checking his site that often. Yea. There isn't much left to talk about. Though I did come to a similar conclusion a bit ago when I read his post about cleaning. We have too many drat cleaning products, when it seems like a magic eraser and one cleaning multi product is all you need for most things. I still never thought I'd be reading climate change deniers still loving talking about climategate on the MMM message board.
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Oct 14, 2014 06:03
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TLG James posted:I still never thought I'd be reading climate change deniers still loving talking about climategate on the MMM message board. Yeah I read their equivalent of "post people bad with money" for awhile and geez I'm never going back to that forum.
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Oct 14, 2014 06:35
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GoGoGadgetChris posted:I think the idea of 4% is that you're achieving 7% and letting 3% remain to cover inflation? So that your, let's say, $40,000 annual withdrawal from your $1,000,000 savings has the purchasing power of $40,000 each year although it increases by ~3%. Actually, that was never quite true. The SWR expected a drawdown and considered a withdrawal rate to be safe if the balance ended in positive territory at the end of a period (10, 15, 20, 25, 30 years, etc). Some of the success rates on a certain withdrawal rate was in the high 90s, not 100%, so some of these periods drew down an account into a mere pittance at the end of the period. This obviously has implications for people wanting to retire earlier, since their withdrawal may be much longer. Add another decade or two to your withdrawal period and things will not look as safe. A few more notes on the SWR: - Bonds played a huge part in increasing safe withdrawal rates, but we are at the end of a several decade-long windfall gain in bond returns that cannot be repeated and so the situation has permanently changed. - The same windfall gain should be expected to apply to the equity markets too, though not as certain as with bonds. - The above two points have serious implications on the SWR going forward. MMM seems to mention this in his blog but I think his advice regarding still making a little income is spot on, whereas his assessment of the trinity study, IMO, is a little off. 80k fucked around with this message at 00:20 on Oct 17, 2014 |
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Oct 14, 2014 18:37
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Reading the new MMM blog... Is Betterment actually worth it for most people? I pretty much have my taxable account in a lazy portfolio with Vanguard, and that's pretty much it, outside my retirement accounts.
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Nov 7, 2014 16:25
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TLG James posted:Reading the new MMM blog... Is Betterment actually worth it for most people? I pretty much have my taxable account in a lazy portfolio with Vanguard, and that's pretty much it, outside my retirement accounts. For most people (as in the general public), Betterment is extremely great. For a person comfortable and knowledgeable about tax management, harvesting, and rebalancing, the benefit is a bit less clear.
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Nov 7, 2014 16:57
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I was hoping I could simply give Betterment access to my current Vanguard accounts and allow them to manage everything remotely but apparently I have to roll everything over to Betterment directly. That's a shame. Anyway, my mortgage at my new house is now $250 (down from 325) a month. So happy. I was paying 1035 a month at my old house. Sephiroth_IRA fucked around with this message at 21:28 on Nov 7, 2014 |
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Nov 7, 2014 21:24
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Is it a 2-door or 4-door?
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Nov 8, 2014 03:11
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I've been using Betterment for over a year now and have no complaints.
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Nov 8, 2014 07:50
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spinst posted:I've been using Betterment for over a year now and have no complaints. Have you filed taxes since switching? Documenting the tax loss harvesting strategy seems like it would be a big pain to someone like me who's not used to doing so.
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Nov 8, 2014 15:29
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How do people using Betterment avoid creating a wash sale from activity in other accounts? E.g., I have an IRA and a 401k that are both invested in different retirement funds. The danger from this is probably pretty minimal since they don't buy or sell very often. But if I move my IRA into a Betterment account, which starts buying and selling frequently, the odds of those sales overlapping in a 60 day window probably get a lot higher.
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Nov 8, 2014 15:36
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the littlest prince posted:How do people using Betterment avoid creating a wash sale from activity in other accounts? Because your basis in a stock doesn't matter in an IRA or 401k.
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Nov 8, 2014 15:42
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You guys listen to podcasts? I've been listening to Radical Personal Finance since his interview with Jacob Lund Fisker of Early Retirement Extreme. He talks about permaculture, entrepreneurship, economic green living, child and adult education, and of course financial independence. His podcasts are great and super long, so listen at double speed.
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Nov 9, 2014 20:07
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Harry posted:Is it a 2-door or 4-door?  My house is small but it isn't that small. Our taxes are also cheap, our interest rate is low and we made a decent down payment when we bought the house.My impression is at 3.5% @ 30 there isn't really much benefit in paying down any significant additional principal. crimedog posted:You guys listen to podcasts? I've been listening to Radical Personal Finance since his interview with Jacob Lund Fisker of Early Retirement Extreme. He talks about permaculture, entrepreneurship, economic green living, child and adult education, and of course financial independence. These are pretty sweet, Thanks. I was getting really bored listening to podcasts about video games and was planning to ask for a few financial podcast recommendations. Sephiroth_IRA fucked around with this message at 19:33 on Nov 10, 2014 |
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Nov 10, 2014 14:13
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District Selectman posted:There are nuggets of wisdom hidden within mounds of poo poo. I enjoyed it though. I know this discussion is mostly dead but there were a few useful items. They could have been summarised in a few pages. The book structure basically tells people to outsource their job and then find what you like doing. Thing is if you already like your job/business why go around in a complete circle wasting time and energy. The things that Tim Ferriss partly unethical book inspired me to do was: change my credit card points/air miles to milk more points and to look at modifying my investments for cash flow purposes. Both are good things but I didn't need to read a book to do that. thepointsguy is a good place to look for air miles, unfortunately the huge points bonuses are in the US/Canada or certain European travel routes (someone spilled the beans on the easy Greek Star Alliance gold status and they changed the rules). I see thepointsguy, MMM and similar sites as being a part of the same thing. You can get a lot more out of what you already do. I don't plan on retiring ever but I do like the idea of increasing my annual net income. I will still have the standard investments using indexes but more cash flow (and net income) will either allow me to invest more or pay for more holidays.
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Nov 12, 2014 01:49
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Unponderable posted:Have you filed taxes since switching? Documenting the tax loss harvesting strategy seems like it would be a big pain to someone like me who's not used to doing so. I didn't switch, I just opened a Roth last year to start putting a little extra money, and I don't make or invest enough to do the Tax Harvesting thing. Sorry I am of no help.
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Nov 12, 2014 02:52
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crimedog posted:You guys listen to podcasts? I've been listening to Radical Personal Finance since his interview with Jacob Lund Fisker of Early Retirement Extreme. He talks about permaculture, entrepreneurship, economic green living, child and adult education, and of course financial independence. I actually started listening to his podcast and bought "Early Retirement Extreme" based on Josh's effusive praise. I'm only a quarter of the way through it, but I have to say, the book is an absolute poo poo heap. It definitely has some interesting concepts, and some good ideas, but it's also full of horrendous analogies and incredibly misinformed assertions. He actually claims at one point that index funds "mimic what everyone else in the market is doing" and that the aggregate effect of workers investing their retirement savings in the stock market is to turn the markets into a giant Ponzi scheme. Wow, are you loving kidding me? It's also full of the whiny, sophomoric 'hurr, we all go to work all day to fill our oversized houses with stuff we don't use' garbage. To be sure, there is a certain amount of that that goes on, but he also criticizes society for being too specialized, and thinks people should learn to be more self reliant. Ok, fine, but fixing your own car requires a garage full of tools, and growing your own food requires a garden, so it doesn't work both ways. Beyond that, JLF just has an amazingly cynical view of the corporate workplace, and assumes that everyone hates their jobs all the time, and would never do them if they weren't compelled to by their wasteful lifestyles. I'm going to try to keep reading, but it's really frustrating and disagreeable so far. Blackjack2000 fucked around with this message at 00:03 on Nov 20, 2014 |
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Nov 19, 2014 22:57
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Blackjack2000 posted:Beyond that, JLF just has an amazingly cynical view of the corporate workplace, and assumes that everyone hates their jobs all the time, and would never do them if they weren't compelled to by their wasteful lifestyles. I'm going to try to keep reading, but it's really frustrating and disagreeable so far.
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Nov 19, 2014 23:37
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Blackjack2000 posted:It's also full of the whiny, sophomoric 'hurr, we all go to work all day to fill our oversized houses with stuff we don't use' garbage. To be sure, there is a certain amount of that that goes on, but he also criticizes society for being too specialized, and thinks people should learn to be more self reliant. Ok, fine, but fixing your own car requires a garage full of tools, and growing your own food requires a garden, so it doesn't work both ways. Complaining about specialisation is pretty stupid. It's the one thing that adds a lot of economic efficiency and decent income for specialists. Sure you can grow your own food if you feel it's worth your own time, or fix your own car but it's probably wasting time, money and opportunity cost of lost earnings. I think the 4HWW also suffers from the issue of assuming everyone hates their job so therefore they should run their own business. Then free up time and feel like they have no purpose in the world.
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Nov 19, 2014 23:38
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Devian666 posted:Complaining about specialisation is pretty stupid. It's the one thing that adds a lot of economic efficiency and decent income for specialists. Sure you can grow your own food if you feel it's worth your own time, or fix your own car but it's probably wasting time, money and opportunity cost of lost earnings. It's incredibly stupid, especially when you talk high skill or special equipment. The reason for doing DIY things should not be "to save a little money" but should also be "... and because I enjoy doing it." There are exceptions on extremes, like spending $15 and 20 minutes to replace your own rear view mirror rather than spend $90 to have the dealership do it. I work in finance. I could do my taxes by hand. But because I work in finance, I understand opportunity cost. The opportunity cost of me spending a few hours doing it when I could instead be doing something I enjoy in my leisure time makes me happy to pay the $30 or whatever to have TurboTax do it's thing and file for me electronically. I was surprised to hear in my undergraduate courses that most of my finance professors didn't own individual stocks or actively manage their own portfolio. These are PhDs who publish research on markets. They all say that they own mostly passive investments, because even though they have the knowledge, they aren't willing to trade their leisure time for the time it takes to be successful as a trader.
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Nov 20, 2014 00:22
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Blackjack2000 posted:I actually started listening to his podcast and bought "Early Retirement Extreme" based on Josh's effusive praise. I'm only a quarter of the way through it, but I have to say, the book is an absolute poo poo heap. It definitely has some interesting concepts, and some good ideas, but it's also full of horrendous analogies and incredibly misinformed assertions. He actually claims at one point that index funds "mimic what everyone else in the market is doing" and that the aggregate effect of workers investing their retirement savings in the stock market is to turn the markets into a giant Ponzi scheme. Wow, are you loving kidding me? It's also full of the whiny, sophomoric 'hurr, we all go to work all day to fill our oversized houses with stuff we don't use' garbage. To be sure, there is a certain amount of that that goes on, but he also criticizes society for being too specialized, and thinks people should learn to be more self reliant. Ok, fine, but fixing your own car requires a garage full of tools, and growing your own food requires a garden, so it doesn't work both ways. I think you have some good criticisms. Here's the thing, I think his important ideas are pretty solid. 1. Savings rate 2. Housing, transportation, food 3. Web of goals - synergistic goals that reinforce each other I find it's easy for myself to see the flaws in a book, but I actively try to find the big ideas and start putting them into real action.
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Nov 20, 2014 03:58
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crimedog posted:I think you have some good criticisms. Here's the thing, I think his important ideas are pretty solid. Yeah, that's why I'm still reading, I do think he has some good ideas, and I think he could offer some interesting perspectives. I have another criticism that applies more to the whole emerging "financial independence" industry in general: I'm tired of them offering their vision of what the world would look like if their ideas went mainstream, and the general population began consuming less and saving more. It seems like they're mostly all guilty of this, including Mr. Money Mustache. First of all, I don't believe that there are any indications that this actually happening, or even beginning to happen, so who cares? Second of all, nobody has any clue what the result of that would be. They all seem to want to offer this happy horseshit vision of everybody living like a bunch of hippies, working less, consuming less, and hanging out on their front porches instead of watching TV. There's no specific reason that that scenario is wrong or not possible, it just ignores this enormous reliance we have on fossil fuels to feed ourselves and not freeze to death in the winter, and more broadly, it ignores our reliance on industrial solutions in general. I'm not arguing that these are insurmountable obstacles, just that there is no way to ever anticipate how they would be surmounted, and what the world would look like on the other side of that. The same way that people sixty years ago thought we'd have flying cars and robot maids, but didn't anticipate hybrid cars or the internet. The FI movement has some excellent ideas, I think they should focus on the world we live in today, and adjust their advice as the world around us evolves.
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Nov 20, 2014 05:34
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They fall into the trap of writing yet another article for hits. Really if the world is going to be different more people need to invest. http://www.cnbc.com/id/102196033 A big part of MMM and the like is really increasing income streams by investing time or money. What would happen is that more people would have more income and likely less bad debt hanging over them. People would be a bit happier but the world wouldn't grind to a halt.
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Nov 20, 2014 06:00
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Blackjack2000 posted:Yeah, that's why I'm still reading, I do think he has some good ideas, and I think he could offer some interesting perspectives. I think all of these posts/chapters or whatever are to head off the inevitable, "If everyone lived like you, it would be a disaster!" Criticism. MMM has written explicitly about the need to address that before, and I like to think of it more as a way to torpedo inevitable excuses ("But I NEED my cable because without it the economy would fail and...!") than as an actual vision or goal.
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Nov 20, 2014 14:18
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canyoneer posted:I work in finance. I could do my taxes by hand. But because I work in finance, I understand opportunity cost. The opportunity cost of me spending a few hours doing it when I could instead be doing something I enjoy in my leisure time makes me happy to pay the $30 or whatever to have TurboTax do it's thing and file for me electronically. It varies depending on the situation though. Yeah TurboTax is $30 and saves a few hours. I don't work in finance, but I could probably do it myself in a few hours as well and save that $30 because I usually estimate my refund by hand in 20 minutes a month or two before and come within 10% of the correct amount. But for $30 to save me three hours and be sure I didn't gently caress it up, yeah. I don't care about thirty bucks that much. But for example recently I've been repainting and repairing drywall in my condo, and after doing essentially 5 rooms I've spent like $400 and a few weekends - and I had never painted before. Now I kind of know what I'm doing. Had I paid someone else, the whole thing would've cost about 3k conservatively, and while it's my own spare time I'm giving up, I couldn't have been making more money during that time, at least at present. That 2500 bucks invested comes out to a lot over time, and now I have the skills where unless I'm filthy rich when it's time to paint my next home, I can once again save thousands of dollars. It's saving like $75 per hour in my area instead of $10 per hour. That said, earlier this year I paid to have a car window actuator and strut mounts replaced. I do not have the confidence that I could gain those skills in a timely fashion without killing myself or needing to call in someone else and pay them even more money. If I already had unlimited time like MMM, sure I could probably figure out how to do advanced auto repairs. I think he has trouble putting himself in other peoples' shoes when he talks about stuff like that. Nail Rat fucked around with this message at 15:47 on Nov 20, 2014 |
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Nov 20, 2014 15:30
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tuyop posted:I think all of these posts/chapters or whatever are to head off the inevitable, "If everyone lived like you, it would be a disaster!" Criticism. MMM has written explicitly about the need to address that before, and I like to think of it more as a way to torpedo inevitable excuses ("But I NEED my cable because without it the economy would fail and...!") than as an actual vision or goal. Don't we all view our modern consumer-based society as simply a way to overcome the flaws of human emotion? Isn't that why we, as financial independence seekers, reject it? I believe that if everyone lived frugally the economic system would breakdown, but not purely due to the economic climate we'd face. Consumerism gives emotionally charged people something to focus on, and without it, they would start a rebellion or something. The picture MMM laid out would probably work if the world didn't have idiots, but really, we're all idiots. Some of us try to be less idiotic than the rest, and I like to think those who live more simple lives in the pursuit of financial independence are less idiotic. It was all in The Century of the Self (2002). It makes modern society seem like kind of a conspiracy, and you'd expect to hear this type of stuff from a raving derelict at the bus stop while talking about chemtrails, but sadly I think most of it is true.
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Nov 20, 2014 15:30
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Nail Rat posted:But for example recently I've been repainting and repairing drywall in my condo, and after doing essentially 5 rooms I've spent like $400 and a few weekends - and I had never painted before. Now I kind of know what I'm doing. Had I paid someone else, the whole thing would've cost about 3k conservatively, and while it's my own spare time I'm giving up, I couldn't have been making more money during that time, at least at present. That 2500 bucks invested comes out to a lot over time, and now I have the skills where unless I'm filthy rich when it's time to paint my next home, I can once again save thousands of dollars. It's saving like $75 per hour in my area instead of $10 per hour. My dad was always a good saver, and his retirement strategy was basically playing monopoly in real life, so I grew up painting and helping my dad maintain several rental properties. I loving hated it growing up, spending my weekends a few towns over patching drywall, landscaping, or painting after a tenant moved out. When I bought my house, it was a solid frame but a real fixer-upper on the inside, and over the span of three months my wife and I were able to do most of the major tasks for the renovation. Lots of patching/sanding/painting, ripping up carpets, popping off wood paneling, hanging/framing new doors, etc. I brought my friends in on some of the projects (for pizza and beer), and a lot of them were surprised I knew how to do all that stuff. I guess those weekends and summers sweating in a house with just my dad were really worth something. Skills like these are awesome to have, and they saved me a ton of money. I still wish I was handier. The only things we paid other people to do were electricians, and floor guys to rip up some old linoleum and lay down = wood floors that matched the rest of the house. Inverse Icarus fucked around with this message at 20:00 on Nov 20, 2014 |
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Nov 20, 2014 19:56
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Nail Rat posted:It varies depending on the situation though. Yeah TurboTax is $30 and saves a few hours. I don't work in finance, but I could probably do it myself in a few hours as well and save that $30 because I usually estimate my refund by hand in 20 minutes a month or two before and come within 10% of the correct amount. But for $30 to save me three hours and be sure I didn't gently caress it up, yeah. I don't care about thirty bucks that much. Also, remember that you didn't have to pay income tax on that 2500 you "made".
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Nov 20, 2014 19:59
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[quote] Income tax stuff [/stuff] I use Genutax for my returns and strongly recommend it, not least of all because it's free. It was able to do my return after a couple other [paid] software programs couldn't and I haven't had an issue with my returns. Save time and money, pants optional!
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Nov 21, 2014 05:39
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Anyone want to convince me to bike/bus to work? The route looks like 4-5 miles biking -> bus a -> bus b, then again in reverse to get home. I would have to leave the house at 7am and get home at 6:30pm, but really the 7:30am-6pm is "what counts" because I would be replacing other time spent exercising with the total of 8-10 miles biking. The cost of a bus day pass is 4.50. This is almost exactly how much gas it costs me to get to work and back. If I drive to work, I leave the house at 8am and get home at 5:45pm. So taking the bus over a car will effectively take about 45 minutes out of my day, but I will get to spend some of that time reading a book or whatever instead of driving. And I guess I would save wear & tear on my car.
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Nov 25, 2014 17:52
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T. J. Eckleburg posted:Anyone want to convince me to bike/bus to work? Does your transit system offer a monthly/yearly pass? That would probably be a good bit cheaper than buying a new day pass every day. Also most of the big savings from using transit come from going carless/downgrading to a cheaper vehicle so if you're not willing or able to do that it's probably going to be pretty close to a wash.
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Nov 25, 2014 18:04
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I've been trying to mix up my commute since I took this job and I recently started biking to work a few days a week to go along with my occasional public transport use. The three options are: Bike - 15 miles each way, it takes me ~1:15 to go each way. Ongoing cost is minimal, will presumably need to replace tubes and tires eventually, plus a little elbow grease for maintenance. Drive - 16 miles each way, take 35 minutes in the morning (if I leave before 6:00am) and 50-60 in the afternoon. I worked out the cost to be about $3.75 per day including gas and maintenance. This is the "fastest" route but I feel like my soul is slowly dying when I add up the amount of time I spend sitting in my car in traffic every month. Public transportation - bus A -> light rail -> bus B -> half mile walk. This costs $4.75 per day and takes 1:15-1:40 depending on traffic and if you catch transfers. I do enjoy being able to read on the bus and would probably do this more often if I didn't have to do so many transfers. It kind of sucks getting out of the reading groove when you have to pay attention to what stop you're at, then using bus tracker to see if you need to sprint to the bus (or suck it up and wait an extra 20 minutes), and jockey for standing space on full buses. Monthly pass would reduce this price slightly (a few dollars per month) but I ride infrequently enough to make it not worth it. I only recently started biking at the end of October, but it is by far my preferred way to get to work. I was worried about how I'd hold up in the Chicago winter but it's been fine so far. I average 3 days per week biking and highly recommend you give it a shot. How far would your bus rides be? Would you be able to bike the whole way?
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Nov 25, 2014 18:22
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Dangit Ronpaul posted:Does your transit system offer a monthly/yearly pass? That would probably be a good bit cheaper than buying a new day pass every day. The monthly pass would work out to about $3.80/day if I used it every workday. I think you are probably right that the big savings come from going carless. I may explore the idea of becoming a one car household. Saint Fu posted:I only recently started biking at the end of October, but it is by far my preferred way to get to work. I was worried about how I'd hold up in the Chicago winter but it's been fine so far. I average 3 days per week biking and highly recommend you give it a shot. How far would your bus rides be? Would you be able to bike the whole way? My commute is nearly 20 miles, and the area right around my work is more or less the worst possible safety conditions for a cyclist: high traffic, narrow shoulders, no bike lanes, no greenways, high speed limit, almost entirely multi-lane roads. I did it once and learned that biking in those conditions is my past my personal threshold for danger, plus that distance takes me 2 hours each way, which is just too much. The bus ride is 30 minutes, 5 minutes layover, then 10 minutes. Not bad as long as I make the connection. If I miss the connection, the second bus comes every thirty minutes... edit: the bike ride to the bus is probably about 30 minutes. T. J. Eckleburg fucked around with this message at 20:06 on Nov 25, 2014 |
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Nov 25, 2014 19:56
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T. J. Eckleburg posted:My commute is nearly 20 miles, and the area right around my work is more or less the worst possible safety conditions for a cyclist: high traffic, narrow shoulders, no bike lanes, no greenways, high speed limit, almost entirely multi-lane roads. I did it once and learned that biking in those conditions is my past my personal threshold for danger, plus that distance takes me 2 hours each way, which is just too much. Before I started biking, I considered bus A -> train -> bike or bike-train-bike as options but quickly learned that I couldn't take a bike on the train during the M-F rush hours. Also considered leaving my bike at the bus B/train stop but in the end decided it'd be too at risk of getting stolen. I'm assuming you already considered the various bus/bike options. It'd be great to get that every-30 bus out of the cycle. All I can say is to just give it a shot one day. Worst case you don't like it. I don't think there is much money to be saved (unless you sell your car as was suggested) but I think the other benefits are well worth it. I feel so much more awake and alert when I get to work, and obviously it's healthier from an exercise perspective. Plus everyone thinks I'm a badass now when I roll into work on my bike when it's 15 degrees out.
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Nov 25, 2014 20:11
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